Investment property financing is not one-size-fits-all
An investor loan should match the deal, not just the borrower. A long-term rental, short-term rental, fix-and-flip, build-to-rent project, and cash-out refinance can each need a different structure.
As a mortgage broker, I can compare multiple investor paths instead of forcing every scenario into one lender box.
Common paths to review
- DSCR loans for rental properties where cash flow is the center of the file
- Full documentation loans for investors with clean income and tax documentation
- Bank statement options for self-employed investors
- Cash-out refinances for equity access and portfolio expansion
- Bridge, fix-and-flip, and construction loans for short-term investment projects
- Foreign national and non-warrantable condo options when the property or borrower profile is more complex
What matters most
Investor programs usually come down to property type, occupancy, rent strength, credit, reserves, entity structure, experience, cash-to-close, and exit strategy. The fastest way to narrow the field is to review the deal details first, then match the loan program around the outcome you want.
What to prepare
Bring the purchase contract or refinance goal, property address, estimated rent, current mortgage statement if applicable, insurance and tax estimates, entity details, and your target hold strategy.
Guidelines, rates, fees, loan amounts, LTVs, and reserve requirements change. I will help verify current options before you make a decision.